Do I Have to Put Every Single Doctor Visit on My Application?

[Ron00]

Use our undisputed team of experts right on this board. You're anonymous so go ahead and let us know your conditions - both present and past and we'll be able to guide you.

Ok, These are all within the last 10 years:

• Rhinitis – Allergy immunotherapy (ongoing )
• Dry Eye - keratoconjunctivitis sicca (ongoing)
• Sjogren’s Syndrome TEST (potential cause of dry eye) LAB RESULTS NORMAL

• Prostatitis – pain from enlarged prostate – (released from care)
• Metatarsarsalgia (released)
• ‘Bulging Discs and/or Disc Joint pain (physical therapy prescribed, no surgery)
• Shoulder – partial tear of right rotator cuff (physical therapy prescribed, surgery is by choice)
• Recurrent Fibroma on plantar fascia (avoid surgery)
• Near Sighted & Astigmatism (Eye glass/ contact lens Rx)
• Midcarpal Instability (excersize recmd')
• Knee Pain (released)
• Giant Papillia Congitis (released)
• Hairloss (Propecia Rx)
• Cyst-benign on scalp (one removed on back)
• inguinal Hernia Repair Surgery (2)

• Planter Fascia Fibroma Repair Surgery
• Receding gums
• High Cholesterol check (just modify diet, no rx)
• Anxiety and depression (took 3 meds 6 years ago)
• Anal Fissure (released)
• Flat feet pain (orthotics made)
• Ingrown toenail (released)
• TMJ- Temporomandibular joint disorder (bite guard made)
• Dry Lip problem
• Acne
• Pneumonia mild case
• deviated septum diagnosed (no treatment)

Some of these had multiple visits, some did not. Some had x-rays, ct scans, mri's involved.

Thanks for your help.

 

[Ron00]

Did this agent work for a call center?

No, he's independent agent my family has used for years. But this is my first experience with him.

 

[STIBROKER]

So which of these items were left off the application.....and does your agent work for NASE...

 

[somarco]

Significant includes, but is not limited to, heart condition, cancer, stroke, diabetes . . .

Most people have an idea what is major.

Carriers mostly underwrite based on meds for the past 3 - 5 years.

So what are the 15 conditions?

 

[STIBROKER]

Really......can you not read man......

So what are the 15 conditions?

 

[somarco]

Going for the kill, Scott. No sense in being evasive. Figured that might flush him out.

 

[souldeux]

How do I know what is considered 'significant'?

I ended up with 15 errors because we were going through it fairly fast, and since its my first individual policy, I wasn't quite prepared.
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My agent said once I cancel it I can't redo it. Doesn't seem logical, but that's what he said.

Huge, huge, huge red flag. This guy is lying to you to get a commission.

I will admit, I have had clients in the past who have been ultra-paranoid about accuracy on the applications. If you got stung by a bee six years ago, I don't care. If you had to go to the ER and you almost died from it, then I do.

 

[somarco]

What kind of bee? Was it a bee or a wasp, or perhaps a hornet or yellow jacket? Was it one sting or many? If you died, no need to go any further.

 

[Mark]

Find another agent to work with.

 

[Ron00]

I talked to the agent this morning. I'm going to withdraw the application. He said it's still seen as a negative mark on my record, a withdraw is the same as a decline....is this right?